Ela Bhatt is an Indian social activist and cooperative leader who founded the Self Employed Women's Association (SEWA) in 1972. SEWA works to empower low-income women workers by helping them organize and providing services like microfinance. Bhatt recognized that women workers in India's informal economy needed to unite to improve their pay and working conditions. She pioneered the idea that even poor and uneducated people can solve their own problems through cooperation. Bhatt has received many national and international awards for her work fighting for the rights of India's vulnerable workers and empowering women.

1. B Y S H I V A M G A R G
Ela
bhatt

2.  Ela Ramesh bhat was born on 7 September 1933 in Ahmadabad and she is an Indian cooperative organizer
and an activist.
 A lawyer by training, Bhatt is a part of the international labour, cooperative, women, and micro-
 finance movements and has won several national and international awards
 Ela Bhatt has spent her life fighting for the rights and welfare of India's 'invisible' workers.
 Her grandparents worked with Mahatma Gandhi in the non-violent struggle for Indian Independence from the
British.
 Deeply influenced by Gandhi, Ela has followed his ideals all her life.
INTRODUCTION

3.  She has pioneered the idea that people
themselves, no matter how poor or
uneducated, are able to solve their own
problems if they organize together to do so.
 Ela started as a lawyer with the Textile
Labour Association (TLA) in Ahmedabad.
Working in the women's division, Ela soon
found that women were doing many of the
labor-intensive tasks needed in textile
production, as well as in other fields of
work. However, as workers, they were
invisible.
HER IDEAS

4.  Ela recognized that these women needed the help that
they could get only through organizing together as a large
group. Tomeet that need, she founded SEWA(Self-
Employed Women's Association in India) in 1972 to
organize for better pay and working conditions. SEWA,
which today has 250,000 members, helped workers at the
lowest level of society become empowered to take control
of their lives.
 She also founded SEWA Bank, which is totally for
woman's and the first step is saving.
HER FOUNDING'S

5. THE ELDERS
 Ela was a part of a group named Elders.
 This was a group of world leaders created to
contribute their wisdom, independent leadership
and integrity to tackle some of the world's toughest
problems.
 Ela Bhatt is particularly involved in The Elders'
initiative on equality for women and girls, including
on the issue of child marriage.

6. AWARDS AND RECOGNITIONS
o She was one of the founders of Women's World Banking in 1979.
o She has served as Chair of the SEWA Cooperative Bank.
o She was granted an honorary Doctorate degree in Humane Letters by Harvard University in June 2001.
o Ela Bhatt was also awarded the civilian honour of Padma Shri by the Government of India in 1985, and the
Padma Bhushan in 1986.
o She was awarded the Ramon Magsaysay Award for Community Leadership in 1977 and the Right Livelihood
Award in 1984.
o On November 2010, US Secretary of State Hillary Clinton honoured Bhatt with the Global Fairness Initiative Award for
helping move more than a million poor women in India to a position of dignity and independence.
o Ela Bhatt was honoured with the prestigious Radcliffe Medal on 27 May 2011 on Radcliffe day for her efforts
in helping uplift women, which has had a significant impact on society.
o In November 2011, Ela Bhatt was selected for the Indira Gandhi Prize for Peace, Disarmament and Development
2011 for her lifetime achievements in empowering women through grassroots entrepreneurship.
o In June 2012, US Secretary of State Hillary Clinton identified Ela Bhatt as one of her 'heroine’.
o She said, "I have a lot of heroes and heroines around the world and one of them is Ela Bhatt, who started an
organisation called the Self-Employed Women's Association (SEWA) in India many years ago".

7. STATE BANK OF INDIA
PRESENTED BY
SHIVAM GARG

8. BANKING IN INDIA
• Banking in India in the modern sense originated in the last decades of the 18th century. The first
banks were Bank of Hindustan (1770-1829) and The General Bank of India, established 1786 and since
defunct.
• Indian Banking Industry currently employees 11,75,149 employees and has a total of 10,9,811
branches in India and 171 branches in abroad.
• manages an aggregate deposit of 67,504.54 billion (Rs) and bank credit of 52,604.59 billion (Rs).
• The net profit of the banks operating in India was 1027.51 billion (Rs) against a turnover of 9,148.59
billion (Rs).

9. BANKING SECTOR IN INDIA PAST 5 YEARS
• Growth in deposits
Deposits have grown at a CAGR(Compound Annual Growth Rate ) of
21.2 per
cent during FY 07-14; in FY14 total deposits stood at US$ 1453 billion.

10. • Growth in credit off-take
During FY 07-14, credit off-take expanded at a CAGR
(Compound Annual Growth Rate ) of 22.8 per cent to US$
1140 billion.

11. • Market share of bank groups by deposits
• Share of private sector banks in India in total deposits have increased to
18.8 per cent in FY13 from 17.1 per cent in FY05

12. • Growth of ATMs
• ATMs in India have increased to 126,950 in
2013.

13. HISTORY OF THE SBI
• The origin of the State Bank of India goes back to the first decade of the
eighteen century with the establishment of the Bank of Calcutta in Calcutta on 2
June 1806.
• Three years later the bank received its charter and was re-designed as the Bank
of Bengal (2 January 1809).
• A unique institution, it was the first joint-stock bank of British India
sponsored by the Government of Bengal.
• The Bank of Bombay (15 April 1840) and the Bank of Madras (1 July 1843)
followed the Bank of Bengal.
• These three banks merged in 1921 to form the Imperial Bank of India,
• Imperial Bank of India was turn on State Bank of India in 1955.

14. PHOTOS & LOGOS
• BANK OF BENGAL HO • GROUP PHOTOGRAPH 1st BOD

15. BOARD OF DIRECTORS (As on 26th June,
2014)
Sl.No Name Designation Under Section of SBI Act 1955
1. Smt. ArundhatiBhattacharya Chairman 19(a)
2. Shri A. KrishnaKumar Managing Director 19 (b)
3. Shri P. Pradeep Kumar Managing Director 19 (b)
4. Shri.B.Sriram Managing Director 19 (b)
5. Shri.V.G.Kannan Managing Director 19 (b)
6. Shri Sanjiv Malhotra Director 19 (c)
7. Shri Sunil Mehta Director 19 (c)
8. Shri M.D. Mallya Director 19 (c)
9. Shri Deepak I.Amin Director 19 (c)
10. Shri Jyoti Bhushan Mohapatra Workmen Employee Director 19 (ca)
11. Shri S.K. Mukherjee Officer Employee Director 19 (cb)
12. Dr. Rajiv Kumar Director 19 (d)
13. Shri Harichandra BahadurSingh Director 19 (d)
14. Shri Tribhuwan Nath Chaturvedi Director 19(d)
15. Shri Gurdial Singh Sandhu Director 19 (e)
16. Dr. Urjit R. Patel Director 19 (f)

16. VISION & MISSION OF THE SBI
• VISION
• My SBI.
• My Customer first.
• My SBI: First in customer satisfaction.
• MISSION
• We will speak the language of young India.
• We will create products and services that help our customers achieve their goals.
• We will go beyond the call of duty to make our customers feel valued.
• We will be of service even in the remotest part of our country.
• We will offer excellence in services to those abroad as much as we do to those in India.

17. PRODUCTS & SERVICES OF THE SBI
• PERSONAL BANKING
• SBI Term Deposits
• SBI Loan For Pensioners
• SBI Recurring Deposits
• Loan Against Mortgage Of
Property
• SBI Housing Loan
• Loan Against Shares &
Debentures
• SBI Car Loan
• SBI Educational Loan
• SBI Personal Loan

18. • CORPORATE
BANKING
• Term Loans: To support capital expenditures for setting up new ventures
as also
for expansion, renovation etc.
• Deferred Payment Guarantees: To support purchase of capital
equipments.
• Corporate Loans: For a variety of business related purposes to
corporate.
. Project Finance: A dedicated set up specialized in financing of
infrastructure and other large projects.

19. • GOVERNMENT BANKING:
"A World of Convenience for Government Receipts and Payments“
• Government Business
• Central Government Taxes
• State Government Taxes
• Pension
• Senior Citizens Savings Scheme
• Passport Seva Kendra
• Online Payment User Guide

20. • AGRICULTURE
• State Bank of India is the pioneer and market leaders in Agri-Financing in
the country with a portfolio of more than Rs. 1,20,000 crs in agri
advances covering more than 1.1 lakh farmer families.
• Apart from the general branches, SBI has 428 Specialized Agricultural
Development Branches (ADBs) and 18 Agri Commercial Branches (ACBs).
• To give special focus to agriculture lending, Bank has also appointed agri-
specialists in various disciplines to handle projects/ guide farmers in their
agri-ventures.

21. SERVICES
• Listed on the left are Services, SBI offers to its
customers.
• DOMESTIC TREASURY
• BROKING SERVICES
• ATM SERVICES
• INTERNET BANKING
• STATE BANK MOBICASH
• E-PAY
• SAFE DEPOSIT LOCKER
• MICR CODES

22. INTEREST RATES (as on 01-04-2014)
TYPES OF LOAN INTERST RATE
For Women Borrowers Upto Rs.75.00 lacs @ 10.10% p.a. Above Rs.75.00
lacs @ 10.25%p.a.
For Other Borrowers Upto Rs.75.00 lacs @ 10.15% p.a. Above Rs.75.00
lacs @ 10.30%p.a.
SBI Two wheeler loan Upto 3 years @ 18.25% p.a.
SBI Car Loans Upto 3 years @ 17.25% p.a.
Above 3 yrs up to 7 yrs @ 17.50% p.a.
SBI Student Loan loans upto Rs 4 =@ 13.50% p.a.
Above Rs 4 lac and upto Rs 7.50 lac @ 13.75% p.a.
Above Rs 7.50 lac @ 11.75% p.a.
* for Girl Student 0.50% concession in interest rate
SBI Home loan Upto Rs 30 lacs @ 9.95% p.a.
Above Rs 30 lacs @ 10.10% p.a

23. SPREAD OF THE SBI
• SBI Branches : State Bank of India is India's largest bank with a network of over 13000 branches and 5
associate banks located even in the remotest parts of India. Search for your nearest SBI branch by clicking
on the link below.
• SBI ATM : State Bank offers you the convenience of over 43,000+ ATMs in India,
already the largest network in the country and continuing to expand fast!
• SBI Foreign Offices : Our 190 Foreign Offices in 36 countries service the international needs of the
bank's foreign customers, in addition to conducting retail operations. The focus of these offices is
India-related business.

24. ASSOCIATE BANKS
• SBI has five associate banks (See table).

25. SBI FINANCIAL HIGHLIGHTS: PAST 5 YEARS
Rs. in Billion FY 2009 FY 2010 FY 2011 FY 2012 FY 2013
Deposits 7420.73 8041.16 9339.33 10436.47 12027.40
Investments 2759.54 2957.85 2956.01 3121.98 3509.27
TotalAssets 9644.32 10534.13 12237.36 13355.19 15662.61
Total Expenses 156.49 203.18 230.15 260.69 292.84
Net Profit 91.21 91.66 82.65 117.07 141.05

26. CAMPARISON OF SECTOR AND THE SBI
Name Market Cap.
(Rs. cr.)
Net Interest Net Profit TotalAssets Income
SBI 181,353.80 136,350.80 10,891.17 1,792,234.60
Bank of Baroda 39,368.37 38,939.71 4,541.08 659,504.53
PNB 33,281.47 43,223.25 3,342.57 550,419.92
Bank of India 43,223.25 3,342.57 2,729.27 573,190.20
Canara Bank 17,627.01 39,547.61 2,438.19 374,160.20
IDBI Bank 13,168.40 26,597.51 1,121.40 328,996.62
Union Bank 12,634.49 29,349.39 1,696.25 353,780.90
Some of the major competitors for SBI in the banking sector are Punjab National
Bank, Bank of Baroda, Canara Bank and Bank of India.

27. SHAREHOLDING PATTERN
• As on 31 March 2014, Government of India held around 58.60% equity
shares in SBI. Life Insurance corporation of India is the largest non-
promoter shareholder in the company with 14.99% shareholding.
Shareholders Shareholding
Promoters: Government of India 58.60%
Banks & Insurance Companies 16.79%
FIIs/GDRs//NRIs 12.04%
Mutual Funds & UTI 03.78%
Private Corporate Bodies 02.87%
Others 5.92%
Total 100.0%

28. HISTORICAL SHARE PRICES OF THE SBI
Date Open High Low Close
13/08/2014 2415.00 2485.00 2352.50 2368.95
31/01/2014 1772.00 1806.00 1510.05 1523.85
31/12/2013 1827.00 1924.00 1712.50 1766.50
31/01/2013 2404.90 2551.70 2397.55 2438.00
31/12/2012 2180.00 2408.15 2173.50 2385.50
31/01/2012 1629.00 2085.95 1611.40 2061.60
30/12/2011 1816.00 1959.85 1571.10 1619.05
31/01/2011 2832.70 2852.00 2463.10 2642.40
31/12/2010 2999.00 3173.60 2655.50 2811.90
29/01/2010 2275.00 2315.00 1955.05 2056.60

29. CSR ACTIVITIES OF THE SBI
• CORPORATE SOCIAL RESPONSIBILITY
•SBI is also actively involved in a non-profit activity called ‘Community Services
Banking’ to conduct beyond-banking business. It participates in large number of welfare
activities and social causes to touch the lives of people everywhere in many ways.
• The focus areas of the Bank’s CSR activities are listed hereunder:
• Supporting education.
Supporting healthcare.
• Assistance to poor & underprivileged.
Environment protection.
• Entrepreneur development programmed.
• Help in National calamities.
Profit After-
Tax (FY
2013-14)
10,891 crs
Spending on
CSR as a
percentage of
PAT {FY 2013-
14}
(1.37%) 149.20 crs

30. THANK YOU